National City Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving National City, California. If you are struggling financially and looking to speak with a National City bankruptcy attorney, you've come to the right place. We will stop lawsuits, stop garnishments, stop, bank account levies, stop judgments and stop foreclosures. We have 36 locations to meet you in California.
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Toll Free 1(888) 754-9877 Available 7 Days a Week 7am to 9pm 36 LOCATIONS IN CALIFORNIA A bankruptcy is an opportunity to be relieved of constant harassing phone calls from creditors and collection agencies. Consulting with a bankruptcy attorney to see if a bankruptcy might be your best option, to determine if you qualify for relief and which chapter is appropriate based on your particular circumstances is essential. There are many misconceptions regarding bankruptcy. As a consumer or small business owner, you have the option of Chapter 7 liquidation or Chapter 13 reorganization. Chapter 7 Liquidation Chapter 7 can be utilized by individuals, married couples, businesses and corporations. In most consumer and small business cases, however, you are able to retain most if not all of your personal assets. Also, filing automatically stays or stops all collection activities. You have to qualify for a Chapter 7 proceeding. Your monthly income must be lower than the median income for your state. In California, the median income for a single individual is $47,798 and for two, $62,009. Otherwise, your disposable income must be low enough to qualify. This is determined by deducting your monthly expenses from your average monthly income over the past 6 months. If it is too high, you may still consider a Chapter 13 petition. In any bankruptcy, you must list all your creditors. You must also have not transferred any substantial property within 90 days of filing or within one year if such transfer was made to a relative or business partner or the court can void it. A list of your monthly expenses and assets is also required. You are entitled to certain exemptions regarding your personal assets so that the trustee will not seize them for the benefit of your creditors. For example, you can exempt a motor vehicle, much if not all of your home equity, retirement accounts, bank accounts, furniture, tools of your trade and other items. Consult with our expert bankruptcy lawyer about what exemptions are available to you. You must also take an approved credit counseling class before filing and a personal financial management class before your discharge. Most discharges occur about 4 months after you file. Your unsecured creditors, such as credit cards and medical expenses, are dischargeable. Chapter 13 Reorganization If your disposable income is too high, or if you wish to continue operating your small business, or you face foreclosure of your home, then a Chapter 13 is an option. You must have a steady income, though, to some degree, are paid within either a 3 or 5 year plan. The length of your repayment plan depends on your income. If it exceeds the state’s median, your plan will likely be 5 years. A chapter 13 can save your home from foreclosure provided you can make your regular monthly mortgage payments while repaying your arrearages over the life of the plan. Any second mortgage would be discharged at the termination of the plan if all is otherwise successful. Further, you can have past due taxes, student loans and child support payments paid off within the plan as well. Bankruptcy protection might be the relief you are seeking. Consult with an experienced bankruptcy attorney about your particular circumstances and to see if filing for bankruptcy is the right decision for you. |
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20
Years Experience
9,800+
Happy Clients
Daniel J King, Esq.
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LA, OC, Inland Empire
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Years Experience | Happy Clients |
About National City
National City is a city in San Diego County, California. The population was 58,582 at the 2010 census, up from 54,260 at the 2000 census. National City is the second oldest city in San Diego County and has a historic past.
For thousands of years, the Kumeyaay, also known as Tipai-Ipai, lived peacefully and prospered in San Diego County's moderate climate. The area known as National City today was part of the Kumeyaay's ancestral territory which ranged east to El Centro, north to Escondido, and south to Baja California. The Kumeyaay were skilled hunters and innovative agriculturists. The Kumeyaay established their rich cultural identity and traditions, many of which are still practiced and honored today. The Kumeyaay first encountered Europeans with the arrival of Juan Rodriguez Cabrillo in 1542 in what is now San Diego. By the year 1769, when Spanish soldiers and missionaries, led by Father Junipero Serra, founded the Mission San Diego de Alcalá and the Presidio of San Diego, the destruction of the Kumeyaay way of life had irreversibly begun. By the late 18th century, Spaniards entered Tipai-Ipai(Kumeyaay) territory, bringing with them non-native, invasive flora, and domestic animals like horses and cattle, which brought about degradation to local ecology.
The Spanish named the 26,000 acres of land, El Rancho del Rey (the Ranch of the King), used by Spanish soldiers to graze horses. After independence from Spain, in 1810, the Mexican government renamed it Rancho de la Nacion (Ranch of the Nation). Governor Pio Pico granted Rancho de la Nación to his brother-in-law John (Don Juan) Forster in 1845. President Andrew Johnson, in issuing the land patent, listed the name as simply "The National Ranch." National City is the English translation the land grant name, "Rancho de la Nacion."
In 1868, Frank Kimball and his brothers Warren and Levi, contractors and builders from San Francisco, purchased the entire rancho and thus began the foundation of the celebrated city, retaining the National name.
Frank Kimball first brought novelty and change to the area by building his personal residence. His home included a bathtub as well as hot, running water, making it the first modern house in the entire county. However, it was more than his personal innovative endeavors that allowed the region to flourish. By constructing the first roads and railroad in what is now National City, Frank and his brothers most notably were responsible for introducing modern transportation to the residents of the community. The brothers also implemented the area’s first post office and a wharf for sea-bound imports and exports. These large ventures, coupled with smaller personal missions both contributed to the overall goal of creating a community unparalleled to the times. A lasting mark of the Kimballs were the trees they imported and planted from Europe and Asia, accomplished via a partnership with the U.S. Department of Agriculture. These trees can be found dotted throughout the city to this very day. It was the passion and influence of the Kimballs as well as other early pioneers that made way for the city’s incorporation on September 17, 1887.
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LOCATION DISCLAIMER: The Attorney Group has a main office in Anaheim Hills, California. All other addresses are local offices available on an advanced appointment basis for meetings and depositions.